Cheapest Car Insurance Quotes in Rocky Point

Finding the cheapest car insurance quotes in Rocky Point shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

401,895 Policies Sold

Rocky Point Car Insurance

^$ 32

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Rocky Point

The car insurance rate in Rocky Point is $965 for a six-month policy, which is $63 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $432, making it a popular choice for budget-conscious drivers. Rates in Rocky Point can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Rocky Point

$965

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Rocky Point

1st place: Erie

At $432 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $515 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $591 for six months, making it the third cheapest auto insurance company in Rocky Point.

Rocky Point Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rocky Point, NC is Erie, offering policies at just $432 for a six-month term. This is followed by Progressive, which has an average six-month premium of $515.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1233 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rocky Point drivers find the best deals.

Cheap Car Insurance Companies in Rocky Point, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$432	$73
Progressive	$515	$87
State Farm	$591	$100
North Carolina Farm Bureau	$699	$118
Nationwide	$908	$153
Farm Bureau	$1195	$203
Farmers	$1220	$203
Kemper	$1341	$228
Allstate	$1526	$257
Penn National	$1233	$205

Key Takeaways

Way's key takeaways about car insurance in Rocky Point

The auto insurance costs in Rocky Point fall around $432 for six months.
The cheapest auto insurance company in Rocky Point is Erie.
Teen drivers pay the highest rate in Rocky Point at $65 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Rocky Point

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Rocky Point are given below.

Erie provides the cheapest minimum car insurance coverage in Rocky Point. Their Average 6 Month Premium is $190. National Farmers Union Insurance is the most expensive at $331 for the same period.

Cheapest Liability Coverage in Rocky Point, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$190	$32
State Farm	$261	$44
Progressive	$273	$46
North Carolina Farm Bureau	$299	$50
Nationwide	$375	$63
National General	$387	$64
Penn National	$419	$72
Farm Bureau	$610	$102
Allstate	$668	$112
National Farmers Union Insurance	$331	$55

Cheapest Full Coverage Car Insurance in Rocky Point

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Rocky Point is Erie at $73 per month and $432 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rocky Point, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$432	$73
Progressive	$515	$87
State Farm	$591	$100
North Carolina Farm Bureau	$699	$118
Nationwide	$908	$153
Farm Bureau	$1195	$203
Farmers	$1220	$203
Kemper	$1341	$228
Allstate	$1526	$257
Penn National	$1233	$205

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Rocky Point Instantly!

Average Car Insurance in Rocky Point by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Rocky Point, NC increasing?

Despite maintaining a clean driving record, your car insurance rates in Rocky Point, North Carolina, may be increasing due to several external factors. North Carolina has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Rocky Point's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Rocky Point

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	North Carolina Farm Bureau	$435
30s	North Carolina Farm Bureau	$435
40s	North Carolina Farm Bureau	$435
50s	North Carolina Farm Bureau	$435
60s	North Carolina Farm Bureau	$435
70s	North Carolina Farm Bureau	$435

Cheapest Car Insurance Rates for Teen Drivers in Rocky Point,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Rocky Point at $94 per month. At $381 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$560	$94
State Farm	$724	$122
Erie	$731	$123
North Carolina Farm Bureau	$1278	$215
Nationwide	$2765	$461
Allstate	$3343	$568
Penn National	$369	$61
National General	$381	$65

Teen Car Insurance Rates in NC by Age

Way Tip

If you are in your twenties North Carolina Farm Bureau is the best choice for car insurance in Rocky Point.

As young drivers face the highest rates in Rocky Point, North Carolina Farm Bureau offers the cheapest auto insurance rates at $435 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Rocky Point, North Carolina Farm Bureau is the cheapest car insurance provider. At $190 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Rocky Point is Allstate, offering rates of around $3362 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$190	$32
National General	$331	$55
Progressive	$356	$60
Erie	$413	$70
Nationwide	$820	$138
State Farm	$1411	$238
Farm Bureau	$1615	$275
Allstate	$3362	$561

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Rocky Point.

Car Insurance Rates with An Accident in Rocky Point

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Rocky Point, NC, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Rocky Point

The cheapest car insurance companies after an at-fault accident in Rocky Point include Progressive and Erie, offering $540 and $547, respectively. Farmers is an expensive provider with an average six-month premium of $566.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$540	$91
Erie	$547	$92
State Farm	$610	$103
North Carolina Farm Bureau	$839	$141
Nationwide	$1507	$254
Farm Bureau	$1900	$323
Allstate	$2873	$484
Penn National	$528	$90
Farmers	$566	$94

Rocky Point Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rocky Point NC. For example, the car insurance in Rocky Point after a DUI increases to $1977 for a six month policy. While the rate increases by $235 for a six-month policy in the case of a speeding ticket.

Rocky Point auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$610	$102
One Med/PIP claim	$610	$104
Not-at-fault accident	$616	$103
One comp claim	$629	$107
Two Med/PIP claims	$629	$105
Two comp claims	$648	$110
Failure to show documents	$718	$120
Child safety restraint	$795	$135
Driving without lights	$795	$133
Failure to wear a seat belt	$795	$135
Cell phone violation	$839	$140
Texting while driving	$839	$142
Speeding 6 - 10 MPH over limit	$845	$141
Driving with expired registration	$852	$144
Driving too slowly	$865	$144
Failure to stop at a red light	$865	$147
Failure to yield	$865	$144
Illegal turn	$865	$147
Open container	$865	$144
Operating a vehicle without permission	$865	$147
Wrong way/wrong lane	$865	$144
Speeding in school zone	$871	$148
At-fault accident - $1000-$2000	$877	$147
At-fault accident - less than $1000	$877	$149
In 65 MPH zone	$928	$155
Speeding 11 - 15 MPH over limit	$928	$157
Speeding 16 - 20 MPH over limit	$928	$155
Speeding 21 - 25 MPH over limit	$928	$157
Improper passing	$947	$158
Following too closely	$953	$163
At-fault accident - greater than $2000	$1023	$170
Passing school bus	$1163	$198
Reckless driving	$1176	$196
Driving with a suspended license	$1818	$309
Leaving scene of an accident/hit and run	$2555	$426
Refusal to submit to a chemical test	$2581	$439
DUI	$2587	$431
Racing	$2631	$447

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Rocky Point after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Rocky Point.

The cheapest car insurance premiums in Rocky Point are offered by National General at $439 for a six-month policy. However, it can be as expensive as $1455 with companies like Farmers.

Rocky Point car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$439	$75
Progressive	$1411	$238
State Farm	$1570	$264
Erie	$1665	$280
Nationwide	$3121	$525
North Carolina Farm Bureau	$3444	$580
Allstate	$6622	$1115
Farm Bureau	$7112	$1186
Farmers	$1455	$243

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Rocky Point are offered by North Carolina Farm Bureau at $203. However, it can be as expensive as $2218 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Rocky Point after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$203	$34
National General	$426	$73
Erie	$432	$73
State Farm	$464	$78
Progressive	$483	$81
Nationwide	$871	$147
Farm Bureau	$1595	$265
Allstate	$2218	$377

Car Insurance Price Trends in Rocky Point, North Carolina

Car insurance rates in Rocky Point have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Rocky Point remained steady at $122 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Rocky Point remained steady at $59 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Rocky Point?

The car insurance in Rocky Point is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Rocky Point?

The cheapest car insurance in Rocky Point is $73 per month for full coverage.

How much is car insurance in Rocky Point for teenagers?

Car insurance for teenagers costs $560 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Rocky Point?

The average cost of car insurance is $902 for a six-month policy. It will cost around $163 per month to insure your car in Rocky Point.

Is car insurance expensive in Rocky Point?

Car insurance can be expensive in Rocky Point if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Rocky Point can be affordable.

Cheapest Car Insurance Quotes in Rocky Point

Why you can trust Way?

How Much Is Car Insurance in Rocky Point

Avg. Car Insurance in Rocky Point

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Rocky Point

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Rocky Point Car Insurance Rates by Company

Cheap Car Insurance Companies in Rocky Point, NC

Way's key takeaways about car insurance in Rocky Point

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rocky Point

Cheapest Liability Coverage in Rocky Point, NC

Cheapest Full Coverage Car Insurance in Rocky Point

Cheapest Full Coverage Car Insurance Quotes in Rocky Point, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rocky Point by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Rocky Point, NC increasing?

Car Insurance Premiums by Age in Rocky Point

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rocky Point,NC

If you are in your twenties North Carolina Farm Bureau is the best choice for car insurance in Rocky Point.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Rocky Point

Cheapest Car Insurance Companies after an At-Fault Accident in Rocky Point

Rocky Point Car Insurance Rates by Violation

Rocky Point auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rocky Point after a DUI

Rocky Point car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rocky Point after Speeding ticket

Car Insurance Price Trends in Rocky Point, North Carolina

Average Car Insurance Cost in Rocky Point by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rocky Point, NC

Car Insurance Rates by State in the USA (2025 Update)

Featured Blogs

Data Sources